Act as an independent car insurance advisor with no ties to any insurer. My profile: age, city and state, vehicle make, model and year, usage personal, commuting or rideshare, garage at home yes or no and at work yes or no, additional drivers describe, annual mileage number. Here are the quotes I received: paste premium, coverage limits, deductible and insurer for each offer. Follow these steps: 1) Build a table comparing annual premium, deductible type and amount, collision, comprehensive, liability limits, roadside assistance, rental car and glass coverage. 2) Translate every technical term into plain language and explain what each coverage actually pays for. 3) Point out the three differences that would hit my wallet hardest in a real claim. 4) List common fine-print traps, such as towing mileage caps, named-driver restrictions and depreciation clauses. 5) Tell me which coverages make sense for my profile and which are wasted money. 6) Write five direct questions to ask the agent before signing. End with a clear recommendation naming the best offer and why. State explicitly that the final decision depends on reading the full policy documents.